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Public Liability Insurance
- Get a quote in minutes
- Up to £5 million cover
Public Liability Insurance
- Get a quote in minutes
- Up to £5 million cover
Who needs it?
This protects your business if a customer or member of the public is injured, or if a property you’re working on or at is damaged because of your business. Public liability insurance usually covers compensation claims against you, legal costs, and medical expenses.
Employers’ liability insurance
- £10 million cover as standard
- Legally required for most employers in the UK
Employers’ liability insurance
- £10 million cover as standard
- Legally required for most employers in the UK
Who needs it?
If one of your employees is injured or becomes ill because of their work, employers’ liability insurance will cover you against compensation, legal fees, and medical costs. If you employ anybody, including part time workers or family members, you’ll need it.
Business equipment and tools insurance
- Cover theft, loss, and damage
- Tweak your policy anytime, without fees
Business equipment and tools insurance
- Cover theft, loss, and damage
- Tweak your policy anytime, without fees
Who needs it?
This can protect your tools, computers, machinery, and stock against accidental theft, loss or damage. Business equipment and tools insurance is important if your business couldn’t function properly without them.
Business interruption insurance
- Protect yourself from loss of revenue
- We cover your increased costs of working
Business interruption insurance
- Protect yourself from loss of revenue
- We cover your increased costs of working
Who needs it?
You will need this if you can’t operate as the result of an unexpected event such as a fire, flood, or other emergency. Business interruption insurance will pay for expenses such as rent, wages and utilities, while covering profits you would have made.
Buildings and content insurance
- New-for-old replacement
- Get protected in minutes
Buildings and content insurance
- New-for-old replacement
- Get protected in minutes
Who needs it?
This protects your business premises and everything inside it, including equipment, stock, and fixtures, in case of theft, damage, or destruction. You’ll be covered for replacements and repairs due to events such as fires and floods.
Accident and sickness insurance
- For 1 to X employees
- From just £X per month
Accident and sickness insurance
- For 1 to X employees
- From just £X per month
Who needs it?
This gives you cover if you or your employees can’t work due to injury or illness. It’ll pay a regular income to cover expenses, helping you to maintain business operations. Accident and sickness insurance is often useful to smaller businesses who are reliant on one or just a few people.
Once you’ve completed your quote, download and review the summary of your cover to make sure it’s right for your business. You should always refer to your policy documents for full details around exclusions, terms and limits of your customised cover.
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FAQs
Employers’ liability insurance is needed if anybody works for you. Public liability insurance isn’t a legal requirement, but some contracts you sign might ask you to have it, and certain industries and governing bodies will require you to have professional indemnity insurance.
Insurance can help to protect your business from surprise costs and expenses which could affect your businesses. You can get cover for accidents, lawsuits, cyber-attacks, legal fees, and more.
So that you get the most suitable type of insurance and level of coverage, you’ll need prepare all the relevant information about your business. This might include details about the number of people you employ, the industry you’re in, and any previous claims you've made.
The amount you pay will depend on various factors, such as the size of your businesses, the industry you’re in, and the level of insurance coverage you need.
It's important to make sure that all the information in your application is correct and up to date, so you can be sure you’re getting the most accurate quotes. You might also be able to reduce how much you’re paying each month if you increase the excess, lower your risk, and bundle different policies.
Simple policies will usually start as soon as you’ve completed the application and pay the premium. If the agreement is more complicated, it might take a few days or weeks to process.
Contact your insurer as soon as possible, and keep a record of everything. You should also look through your insurance documents to check what you should be entitled to.
If you’re running a business from home, it’s likely that you’ll need separate business insurance, as personal insurance won’t cover you. This will be for things like equipment, liability claims, and any professional risks.
Public liability insurance covers physical injury or damage.
Along with other allowable expenses, business insurance is tax deductible, helping you to reduce the amount of tax you need to pay each year.
Most insurers will let you make changes to your policy as you hire more staff, make changes to your services, or move premises. Just remember to contact your provider about any significant changes, so you can make changes to your policy, and continue to pay the right price for your cover.